Which Health Plans Offer Pet Health Insurance

Do you ever feel like you know just enough about Pet Health Insurance to be dangerous? Let's see if we can fill in some of the gaps with the latest info from Pet Health Insurance experts.


The more authentic information about Pet Health Insurance you know, the more likely people are to consider you a Pet Health Insurance expert. Read on for even more Pet Health Insurance facts that you can share.

When pet owners purchase a pet they shop around at the various pet shops, breeders, pet rescues, and animal shelters until they find the dog, cat, or exotic pet that suits them, what very few pet owners do is consider the cost of veterinarian cost for their new pet. The oversight can prove financially devastating and emotionally heartbreaking.

The cost of veterinary cost is on the rise. Technology, liability insurance, medications, and medical research have forced veterinary clinics to raise their cost. Veterinary clinics in rural areas of the country (especially ones that combine their small animal practice with a large animal practice) find it difficult to attract young vets who are graduating from vet school to their clinics; they are forced to offer higher salaries in order to compete with clinics located closer to major cities. The increase in the payroll is then transferred to pet owners.

It was recently estimated that the average dog owner will spend about two hundred dollars a year at the vet’s office. Cats were a little cheaper; their owners only spent about a hundred and sixty dollars in veterinary bills. When you consider what the average life expectancy is for a pet, especially on kept inside, that’s a lot of money. And what if the pet isn’t your run of the mill dog or cat? What if the pet is something more exotic like a pot bellied pig, a ferret, a rabbit, a snake, or even a skunk? The more exotic the pet the more the pet owner is likely to spend on the veterinarian bills, especially if they have a pet such as a skunk which will probably require a vet with special skills. What happens to the pet if it suddenly gets sick or is injured in a freak accident? How much will it set the pet owner back if they have to take their family pet to a university’s veterinary school, will they be able to afford it or will they be forced to euthanize their pet for economic reasons?

Many pet owners try to keep the unexpected veterinary bills at bay by providing excellent care for their pets. They make sure that the pet is kept well groomed to prevent insects and skin disorders. They only feed their pets foods that are very carefully balanced with a proper blend of nutrients. They make sure the pet maintains a healthy weight, not to thin and not to fat. Some pet owners won’t let their pets out of the house, fearing a freak accident. While pet owners should take the best possible care of their pets and do everything in their power to keep their family pet safe, even the most careful, health conscious pet owner can not prevent everything.

Pet health insurance is one way to prevent veterinarian bills from becoming overwhelming. Pet health insurance is insurance pet owners purchase to help cover veterinarian bills similar to human medical insurance. The chances of a pet owner being able to purchase a pet health care at the same health insurance company where they purchase their human health insurance is slim. Most pet owners will find that they have to go to a separate insurance company that specializes in pet health insurance.

Now that wasn't hard at all, was it? And you've earned a wealth of knowledge, just from taking some time to study an expert's word on Pet Health Insurance.

What You Need to Know About Pet Health Care Insurance

If you're seriously interested in knowing about Pet Health Insurance, you need to think beyond the basics. This informative article takes a closer look at things you need to know about Pet Health Insurance.


Think about what you've read so far. Does it reinforce what you already know about Pet Health Insurance? Or was there something completely new? What about the remaining paragraphs?

Before you purchase a pet health care insurance plan for your pet, check the list of the companies approved veterinarians to see if your veterinarian will accept the companies check.
Ask your local veterinarian what type of pet health care insurance plan would best suit your family pet. Ask your local veterinarian to read over the plan and listen to their advice. Talking to your local veterinarian will also help you establish if the insurance company you are considering purchasing your pet health care insurance plan from is reputable.

If you have purchased a pet that is as of yet unaltered you'll want to look for a pet health care plan that includes neutering and spaying.

Before you pay for a pet health care insurance plan you need to carefully read how the policy handles prescription coverage. Most companies that sell pet health care insurance do not include prescription coverage in their basic medical health care insurance plan. If you are concerned about the cost of any prescription your pet might need during the course of its life you should probably consider buying a prescription coverage rider to complement your pet health care insurance. Although this rider may appear expensive and unnecessary you'll probably wish you had purchased it if your pet is ever given a prescription for anything. Just like the human counterparts prescriptions are very expensive.

One of things you need to take into consideration when purchasing a pet health care insurance plan is the deductible. The deductible is the amount of money you pay out-of-pocket for veterinarian services rendered that your pet health care insurance plan does not cover. Different pet health care plans require different deductibles. The higher a the deductible you choose the lower your monthly payments to the insurance company but the higher deductible the more out-of-pocket extension had each time you visit the veterinarian's office/clinic.

Most pet insurance companies have "cap" or limit placed on each pet health care insurance plan. This cap varies from one procedure to the next a broken leg will probably have a different cap then cancer treatments will for your pet. Before you purchase your pet health care insurance plan talk to the company representative about waiting periods. Find out exactly how long it'll take over the policy to be effective and how long the general wait for claims to be reimbursed is. Most companies have a ten day period between the time they receive the vet bill and when the check gets placed in the mail. Also find out how the refund is processed. Does the pet health care insurance company pay the veterinarian directly or do you have to pay the vet and the company mails the check to you when they receive the bill.

Why you have the company representative on the phone task about any and all exclusions that might be included with your pet health care insurance plan. Specifically ask about any and all pre-existing conditions and hereditary defects that might come up later in your pet's life. Many pet owners especially, those that have dogs, discover that hereditary defects come into their particular dogs are not covered by their pet health care insurance plan. Some companies will allow you to cover these potential problems with an additional rider. In some cases your local veterinarian will be able to warn you about any exclusions.

If you are considering a comprehensive health care insurance plan ask if the plan covers teen veterinarian visits such as; dental care, immunizations, and heartworm testing. Also ask if the pet health care insurance plan also covers the office call.


Sometimes it's tough to sort out all the details related to this subject, but I'm positive you'll have no trouble making sense of the information presented above.

Using Multiple Pets to Find Pet Health Insurance for a Low Cost

In today's world, it seems that almost any topic is open for debate. While I was gathering facts for this article, I was quite surprised to find some of the issues I thought were settled are actually still being openly discussed.


If you base what you do on inaccurate information, you might be unpleasantly surprised by the consequences. Make sure you get the whole Pet Health Insurance story from informed sources.

You love your pets. They are the first things you see when you wake up in the morning. They lay at your feet while your eating breakfast, they run with you as you get your early morning exercise, they look heart broken when you leave them behind, when you get home from a long day at work they are so happy to see you that they can hardly contain their joy, they listen attentively as you rant and rave about the trails and tribulations of your day, at night they crawl into bed with you and keep the nightmares at bay while you sleep. What they don't do is criticize you, judge you, or abandon you.

There is very little you wouldn't do for your pets. That’s what you think almost everyday of the year but on the days you have to take them to the vet and pay the obligatory bill you have to wonder. All your cat had done was a treatment for a mild case of ear mites. And your dog had been a yearly rabies vaccination. The whole processes for both pets took less then fifteen minutes. How could it possible cost so much?

You might be able to see the benefits of pet health insurance. You might salivate at the idea of not dealing with the ginourmous vet bills you get every six months ago. You might even daydream about the day you don't dread the financial repercussions of taking your dog or cat the vet. But right now you simply don't think you can afford to monthly bill a pet health insurance bill would put on your budget, after all its not like having pet health insurance would make the vet bills completely disappear, more then likely you would still have to pay the office visit.

You might not think you can afford pet health insurance at the moment but don’t walk away from an offer, not yet. Looking at a policy does not mean that you have to walk away from it. If you are a clever bargain shopper there are ways to find pet health insurance at a low cost.

If you have more then one pet you probably automatically qualify for a lower premium. Lots of pet health insurance companies offer multiple pet discounts. There is one little catch, a lot of the companies only offer multiple pet discounts if the pets are the same species. In other words if you have two cats that you insure you will pay a lower premium but if you have a cat and a dog lots of pet health insurance companies will consider it two completely different accounts.

Are you starting to despair? Don't worry two much, while many companies don't consider pets of separate species ground for a multiple pet discount a lot of those same companies have a policy that offers discounts to customers who carry more then policy with the company. The multiple policy discount usually takes about ten percent off the total bill but a good bargains shopper can find companies that offer higher discounts all they have to do is be willing to spend the time to shoe around.


Now might be a good time to write down the main points covered above. The act of putting it down on paper will help you remember what's important about Pet Health Insurance.

Texas Pet Health Insurance

This interesting article addresses some of the key issues regarding Pet Health Insurance. A careful reading of this material could make a big difference in how you think about Pet Health Insurance.


If your Pet Health Insurance facts are out-of-date, how will that affect your actions and decisions? Make certain you don't let important Pet Health Insurance information slip by you.


The general population thinks of cowboys, Quarter Horses, rattlesnakes, Brahma bulls, and Longhorn steers when they think about the livestock and pets typically found in the Lone Star State. When they think of pets they probably think of Australian Heelers, Heinz fifty-seven mixes, barn cats, and other ranch related working animals. What you probably don't think of is English Cocker Spaniels. You should. Texas A&M University School of Veterinary Medicine just announced that they have a new genetic test for Familial Nephropathy in English Cocker Spaniels.

Familial Nephropathy is an inherited renal disease that is recessive. Breeders of English Cocker Spaniels have been aware of Familial Nephropathy for more them fifty years. Typical symptoms of Familial Nephropathy are excessive drinking, excessive urination, the dog is suddenly loosing weight because they don't have much of an appetite, vomiting and diarrhea. Most signs of Familial Nephropathy start to show up when the dog is somewhere between six and twenty-four months old.

Dogs that are going to develop Familial Nephropathy are difficult to predict because they are born with two completely normal kidneys. As the dog grows and develops the kidneys start to deteriorate from the lack of a certain type of collagen.

Familial Nephropathy is normally fatal. Because it is a genetic disorder most pet health insurance plans will not cover the cost of any treatments the dog owners wish to pursue. In addition to researching Familial Nephropathy Texas A&M University sees over 11,500 small animals a year. That is 11,500 pet owners that could have saved money by purchasing a pet health care policy for their family pet.

Some pet owners in the state of Texas like snakes, the more exotic the snake is the happier the pet owner. Like with all pets there are certain health care needs that snakes have that other pets do not. Typical snake health care issues can be respiratory infections, eye infections, mite infestation, metabolic bone disease, abscesses, belly burns, and parasites. The problem with pet snakes and other pet reptiles is that signs of health care issues are not as easy to identify as with their mammal counterparts.

A big part of maintaining the health and well being of your pet snake is finding a veterinarian. One of the first things you need to do when selecting a veterinarian for your snake is making sure they are comfortable around snakes. The reality of the world is that everybody has phobia and lots of people are phobic about snakes. If your veterinarian is uncomfortable handling your treasured snake they will not be able to accurately diagnosis any health problems it might be having.
In addition to the typical dogs, cats and horses, many Texans also have exotic pets such as ferrets, wallabies, glider squirrels, and Coatimundi's. People who purchase exotic pets should realize that the more exotic the pet the harder it is going to be to find the proper veterinary care and the more the veterinary care is going to cost. Before you purchase an exotic pet you might want to research how much you could potentially spend on veterinary care during the pets life time and find out if it is possible to purchase a pet health insurance plan.


You can't predict when knowing something extra about Pet Health Insurance will come in handy. If you learned anything new about &keyword% in this article, you should file the article where you can find it again.

Reasons to Purchase Pet Health Insurance for Your Cat

Imagine the next time you join a discussion about Pet Health Insurance. When you start sharing the fascinating Pet Health Insurance facts below, your friends will be absolutely amazed.


If you find yourself confused by what you've read to this point, don't despair. Everything should be crystal clear by the time you finish.

Cats are funny creatures. One minute they want to be petted and stroked, the next they are taking a swipe at your hand and acting like you are public enemy number one. Some people love the conundrum of pet cats and other people hate them.

Love them or hate them they are a still a common pet and have a whole host of potential health issues that will require veterinary care and might have their owners considering the pros and cons of pet health insurance. When cat owners first bring their brand new kitten to the vet they should have the kitten vaccinated for distemper.

Cat owners who have a cat that is entering into the golden years of its life should know that kidney failure is the most common problem senior cats have to deal with. Hairballs are often the very first thing cat owners think about when they stop to consider possible threats to their cat’s health. Hairballs are clumps of hair that can be found in the cat’s digestive system. Cat owners can purchase food additives that will help eliminate hairball. In extreme cases the cat will have to undergo surgery to have a hairball removed.

Just like their owners cats can develop urinary tract infections. Cats who have a urinary tract infection generally cry when they are using their litter box. If a cat is suddenly “missing” the litter box and having accidents around the house it could be a sign of a urinary tract infection. Treating the urinary tract infection generally depends on the type of infection. After doing tests to determine the origin of the infection vets will normally put the cat on a round of antibiotics. If the infection has spread to the kidneys or caused a blockage immediate veterinary action is needed.

Cats kept indoors do not usually develop upper respiratory problems. Cats that have a respiratory illness often cough, sneeze, have runny noses, discharge from the eyes, and are listless. Some cats will run a fever. Just like humans cats that have an upper respiratory illness are contagious and should be kept separate from other cats. Cats with upper respiratory problems should be encouraged to drink lots of fluids. If your cat develops a fever take him to the veterinarian for a round of antibiotics. High fevers, if left untreated, can lead to brain damage and death.

Some cats are prone to getting abscesses. Abscesses are wounds, sometimes small, that heal over, trapping infection under the skin. As the pus gathers a bump will appear on the cat’s skin. Cats with abscesses could be taken to the veterinarian’s office to have the abscess lanced (cut open), drained, and an antibiotic cream applied. Depending on the abscess veterinarians might attach a tube to the animal to let the pus drain. When the abscess has been drained, cleaned, and dressed the veterinarian will probably prescribe a round of antibiotics. Some cats that have abscesses will run a fever.

Lots of pet cats develop diabetes. Many pet health insurance plans will help offset the cost of vet bills.

It never hurts to be well-informed with the latest on Pet Health Insurance. Compare what you've learned here to future articles so that you can stay alert to changes in the area of Pet Health Insurance.

Rabbits; an Exotic Animal that Could Benefit from Health Insurance that Insures Pet Medical Needs

The following article includes pertinent information that may cause you to reconsider what you thought you understood. The most important thing is to study with an open mind and be willing to revise your understanding if necessary.


You can see that there's practical value in learning more about Pet Health Insurance. Can you think of ways to apply what's been covered so far?


Many pet owners enjoy the company and companionship of having a pet rabbit in the house. People are attracted to the idea of house rabbits because rabbits are not only playful and fun to watch they are also very social. Rabbits tend to appeal to people who like the size and feel of cats but are put off by the aloof manners cats sometimes display, most rabbits, if handled properly, are friendly all the time. Rabbit owners need to be aware that because rabbits are so social they need to spend allot of time each and every day playing with their pet rabbit. Rabbits that do not get enough attention can become depressed. Like cats pet rabbits are low maintenance and are easily litter box trained. Rabbits chew on everything, the best way to spare your furniture is to give your pet rabbit lots and lots of chewy toys. Rabbits and young children are not a very good combination, kid’s habit of grabbing and running around makes rabbits nervous and they can start biting, and rabbit bites hurt. If you decide to keep your pet rabbit in the house you need to be prepared to clean the litter box on a regular basis.

Rabbits need to be taken to the veterinarian on a regular schedule for routine vaccinations and check ups. Rabbit owners who keep their rabbits in the house recommend spaying and neutering your rabbit. Pet rabbits are not known for their willingness to take medications. If you have to give your pet rabbit liquid mediation you will need to use a syringe (just the syringe not the needle) or an eye dropper. I prefer syringes because it is easier to measure the proper dosage of medication. Holding the rabbits head and neck with one hand slide the syringe into the rabbit’s mouth behind the teeth, Check to make sure that the tip of the syringe isn't stuck out the other side of the mouth, point the tip of the syringe towards the rabbit’s throat. Depress the syringes plunger.

If your vet prescribes a medication for your rabbit that is in a pill or tablet form you are going to have to crush up the pill. Once you have crushed the pill into a powder mix it with a little bit of flavored Sustacal or Ensure until you have a watery paste. Use a syringe to administer the paste like a liquid medication.

It only takes being bitten by one mosquito for a rabbit to become infected with a severe viral disease call Myxomatosis. Most rabbits die just a few short hours after contracting the disease. The only way to treat Myxomatosis is to vaccinate your pet rabbit before it ever comes into contact with Myxomatosis. Rabbits should be vaccinated when they are six weeks old. Do not give a pregnant rabbit the vaccination; wait until her babies are born. Rabbits are still at risk for Myxomatosis for fourteen days after being vaccinated. Your pet rabbit will need booster shots.

Health problems commonly associated with rabbits are uncontrolled bleeding when injured, blood in the urine, broken bones, breathing problems, falling body temperature, and severe diarrhea. If you would like to purchase an insurance plan to help cover the cost of veterinary expenses for your pet rabbit you will probably have to look for an exotic animal policy offer by a pet health insurance company.


This article's coverage of the information is as complete as it can be today. But you should always leave open the possibility that future research could uncover new facts.

Questions Cat Owners Need to Ask Themselves Before Purchasing Cat Health Insurance for Their Pet

This interesting article addresses some of the key issues regarding Pet Health Insurance. A careful reading of this material could make a big difference in how you think about Pet Health Insurance.


Most of this information comes straight from the Pet Health Insurance pros. Careful reading to the end virtually guarantees that you'll know what they know.

Before cat owners purchase health insurance for their family cat there are a few questions they should ask themselves. Asking themselves these questions will give the cat owner a reasonable idea of what type of policy will best suit them.

The first thing they should consider is whether or not they would like a discount insurance plan or a comprehensive insurance plan. The next question cat owners need to ask themselves is how attached are they to their local veterinarian. Some veterinarians will not accept pet health insurance from various pet health insurance companies for a variety of reason. If the cat owner does not feel comfortable taking their family pet to a different veterinarian they should look for an insurance company their veterinary clinic accepts. Cat owners should also be aware that in certain instances the local veterinarian or animal hospital cannot help their pets and might refer them to the State University veterinary clinics. When purchasing a health-insurance plan for their owner should double check and make sure that any expenses charged to the university veterinary clinic will be covered by the insurance plan.

Before cat owners purchase a health-insurance plan for their family cat they should decide if they would like to neuter or spay their cat. Some pet insurance companies offer health insurance plans for pets that will cover the cost to neutering or spaying. If the policy you are thinking about purchasing does not include neutering or spaying you might want to purchase an additional rider to help with the expense. Remember that if you have adopted your cat from a local animal shelter you will be required to neuter or spay your cat if the shelter hasn’t already done that. This is also a good time to get the first round of your cat's annual shots out of the way.

How much can you actually afford to pay in addition to the monthly or yearly cost of your pets health-insurance plan? If you have to bring your cat to the veterinarian will you be able to pay a deductible? A deductible is the amount of money you have to pay the veterinarian out of your pocket each and every time you visit them. The higher the deductible you carry the lower your monthly premiums are on your pet’s health-insurance plan.

If your cat gets injured in a freak accident or suddenly becomes sick will you be able to pay for any medication that the veterinarian might prescribe. Prescription drugs are expensive whether they are for humans or for pets. If you are concerned about the potential cost of prescription drugs you may want to purchase a rider that will help cover the cost. Purchasing a co-pay option a prescription drugs get help lower your annual fee.

Before purchasing a health-care plan for your cat find out if the plan just coverers your cat's immediate health care issues or if it will also cover the cost of the veterinarian's office visit. Cat owner should remember that the time to research the various types of pet health-care insurance is normally before they purchase their pet. Most injuries and illnesses occur during the pets early years of life.


The day will come when you can use something you read about here to have a beneficial impact. Then you'll be glad you took the time to learn more about Pet Health Insurance.